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Tata AIG Health Insurance Claim Settlement

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About Claim Settlement

About Claim Settlement

The claim settlement ratio is often used to judge an insurance company, but it can be misleading. Each insurer calculates it differently, and it doesn’t always show how well they handle claims or support customers....

Customer Testimonials

Customer Testimonials

Real experiences from our valued customers who have chosen our insurance coverage.

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family…

…always been available to assist with any insurance/claim queries.

Nakul N

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.

Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

OneAssure helped me understand my needs and choose a product that was right for me. There was no pressure tactics or mis-selling. This experience was respectful, informed, and completely stress-free.

Shreya Goyal

Had a great experience with OneAssure during my insurance claim process. A special shoutout to Sunad Raj for his exceptional support, he was professional, responsive, and guided me every step of the way. Thanks to his consistent follow-ups and clear guidance, the entire claim settlement was smooth and hassle-free. Highly recommend OneAssure for their service and transparency!

Sanjay Dakalia

The team is very professional and prompt. I would have all my health and life insurance needs met through them.

Harish Jindal

Very professional service from Ruchir & Aman. They were recommended by a friend who had a positive experience with them. I have taken both health and life policies through them and they have advised me well throughout the process and found the best options available in the market. I had a medical condition due to which it was difficult to find a suitable health policy in the market, however this team was able to find one for me. I would recommend their services to anyone looking to buy health or life insurance.

Siddhartha Saha

Wonderful experience with Prost. Right from suggesting the insurance products to claim process the entire experience hai been seamless. They do not mis-sell and are very transparent. Sundar Raj from the team has been wonderful and ensured prompt guidance.

All the best Ruchir and keep up the good work!

Adarsh Ravindranathan

Our Verdict

Our Verdict on Tata AIG Health Insurance Claim Settlement Ratio & Process

Pros

Clear documentation requirements and proactive claim updates, especially via OneAssure.

Most cashless approvals are in 2–4 hours, faster in emergencies.

Extensive Network Hospitals of 11,200+ cashless hospitals

High Claim Settlement Ratio reflects reliability and timely claim approvals.

Cons

Some policies have sub-limits and exclusions that may affect claim amounts.

Grievance resolution may take multiple escalation steps.

Minor delays can occur if documents are incomplete or verification is pending.

Reimbursement claims at non-network hospitals require upfront payment.

Final Verdict

Tata AIG Health Insurance offers a highly dependable claim settlement experience, backed by an impressive 95.43% claim settlement ratio and access to over 12,000 cashless hospitals nationwide. The cashless claim process is fast, transparent, and...

Claim Settlement Process

How to file TATA AIG Hеalth Insurancе claims?

Documents You’ll Need

Tata AIG Health Card / e-Card

Confirms that your policy is active when you’re admitted.

Photo ID Proof

Government-issued ID like Aadhaar, PAN, Passport, Voter ID, or Driving License to verify your identity.

Policy Information

Policy number and related details to confirm your coverage.

Medical Reports / Doctor’s Notes

Admission advice, consultation papers, or diagnosis explaining the need for hospitalization.

Hospital Cost Estimate

Outline of planned treatment, procedures, and expected expenses.

Pre-Authorization Form

Needed for cashless claims; completed by you and the hospital.

Discharge Summary & Bills

Final records of treatment received and the total charges for settlement.

Understanding Claim Settlement Ratio (CSR)

CSR = (Claims Settled ÷ Claims Received) × 100

For example, if 10,000 claims are filed and 9,957 are settled, the CSR is 99.57%. A higher CSR means faster claims, more reliability, and stronger financial stability.

Common Reasons Claims Get Rejected

Incomplete or Incorrect Documents

Missing bills, test reports, or mismatched ID details can delay or lead to claim rejection.

Policy or Identity Discrepancies

Errors in age, name, or policy information may cause verification issues.

Missing Dependent Information

For family floater plans, proof of age or relationship is required for all dependents.

Unverified Bank Details

Incorrect account or NEFT information can prevent timely claim payouts.

Network Hospitals

Delhi

Delhi

Sir Ganga Ram Hospital

Delhi

Delhi

National Heart Institute

Mumbai

Mumbai

Sir H.N. Tata AIG Foundation Hospital and Research Centre

Mumbai

Mumbai

Fortis S L Raheja Hospital

Chennai

Chennai

Apollo Speciality Hospital

Related Plans

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Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

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Family Health Plan

Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

Maternity Health Plan

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Claim Settlement

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Frequently Asked Questions

Frequently Asked Questions

Get answers to common questions about our insurance policies and services.

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